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Fraud. Claims that my Lloyds account has be changed to allow payments and to reply to an internet site if not me. I don't have a Lloyds account. Grammar was poor. Typical scam/fraud attempt.
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Usual automated message about how they understand you have been in a car accident in the last five years
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man said my name and said his company would offer lower telecom charges
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Accident claims, "we can see by our records you've been involved in an accident..."
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The Car Finance Company.. They wouldn't cold call you, would only contact you if you have a finance agreement with them and may phone if you are in arrears but thats all